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Shizuoka-based regional bank known for consumer/small-business lending, rebuilding after a 2018 loan-fraud scandal.
Shizuoka-based regional bank known for consumer/small-business lending, rebuilding after a 2018 loan-fraud scandal.
Earns the gap between loan interest and deposit costs, long leaning toward consumer and housing loans rather than large corporate lending, plus fees. After the 2018 case, regulators restricted its new lending to property investors, and the bank has been rebuilding its lending standards.
In one line: A regional bank that had its own subprime-style lending scandal.
Moat: none (regulatory licence). Past aggressive underwriting (share-house loan scandal) damaged trust; now rebuilding conservative lending discipline.
Headquarters: Numazu, Shizuoka, Japan · Founded: 1895 · Employees: 1,383
Size Suruga Bank (8358.T) is a Japan Financials company (Regional Banks) with a market value of $2.73B, the 391st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,557 on 6 Nov 2026.
Performance Over six months the shares gained 10.5%, against +1.0% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue grew 12.6% over the last twelve months (peer median +0.4%); the operating margin is 36.8% (peer median 36.7%).
Valuation It trades at 1.32× book value against a peer median of 1.04× (5th most expensive of 21).
Price implies The share price implies a return on equity of about 8.2%; Suruga Bank delivers 13.7%, so the price asks less than the business earns today.
Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥94.8B | ¥84.5B | ¥76.5B | ¥69.4B | ¥64.3B |
| Revenue growth | — | +10% | +10% | +8% | — |
| Net income | ¥43.4B | ¥34.7B | ¥20.2B | ¥15.4B | ¥10.6B |
| Free cash flow | n/a | ¥25.8B | ¥60.2B | ¥35.8B | ¥42.1B |
| Capital expenditure | n/a | ¥3.00B | ¥2.04B | ¥2.25B | ¥2.32B |
| Total debt | ¥10.0B | ¥30.0M | ¥46.0M | ¥80.0M | ¥115M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Suruga Bank 8358.T | $2.73B | +10% | +13% | 14% | 1.32× | 8.2% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
| Yamanashi Chuo Bank 8360.T | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% |
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8358.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -15.5% | +0.4% | 3rd lowest of 21 |
| 6-month return | +10.5% | +1.0% | 2nd highest of 21 |
| Return on equity | 13.7% | 9.5% | 3rd highest of 21 |
| Price / book | 1.32× | 1.04× | 5th most expensive of 21 |
| Trailing P/E | 10.2× | 11.3× | 7th cheapest of 19 |
| ROE the price implies | 8.2% | 8.0% | 9th most demanding of 19 |
| ROE delivered | 13.7% | 9.9% | 3rd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Suruga Bank 8358.T | Japan | $2.73B | +10% | +13% | 14% | 1.32× | 8.2% | 13.7% |
| Bank of Hawaii BOH | United States | $2.73B | -13% | +1% | 14% | 1.84× | 13.0% | 13.6% |
| Union Bank of Taiwan 2838.TW | Taiwan | $2.75B | +2% | -9% | 8% | 1.06× | 3.7% | 8.5% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| Customers Bancorp CUBI | United States | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% | 13.6% |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| Banc of California BANC | United States | $2.86B | -6% | -14% | 0% | 1.00× | 8.6% | -0.3% |
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
| Stock Yards Bancorp SYBT | United States | $2.46B | +10% | +10% | 32% | 2.17× | n/a | 32.4% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Dah Sing Banking 2356.HK | Hong Kong | $2.45B | +5% | -8% | 8% | 0.53× | 5.5% | 7.5% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |